State Farm Florida: the denial record

State Farm Florida Insurance Company also routinely refuses to pay claims in full when it has the ability to do so, waits to see if its insureds contest their coverage determination, as was necessary here, and, only then, will it capriciously invoke appraisal.

An estimate for repair of all damages with respect to Mr. [name redacted] 's claim was prepared on his behalf for $592,551.[address redacted]ate Farm.

SPECIFICALLY, THE INSUREDS AND/OR THEIR REPRESENTATIVE SUBMITTED AN ESTIMATE SUBSTANTIATING AT LEAST $573,712.52 TO COVER THE BUILDING REPAIRS AND $187,867.68 FOR PERSONAL PROPERTY DAMAGE, BUT STATE FARM FAILED TO PAY BENEFITS THAT WERE DUE AND OWING OR OTHERWISE ADEQUATELY RESPOND.

On or about June 28, 2024, State Farm sent a repair estimate to the Insured and it would amount to $81,031.79, minus the policy's $5,762.00 deductible, less $5,972.43 depreciation, and less $1,194.52 General Contractor Overhead.

Harrison provided a payment letter, a damages estimate in the amount of $58,076.89, and a check in the amount of $27,598.10.

Indeed, invoices for debris clean-up, flooring removal/installation, mold remediation, and tarp as well as an estimate for repair of all damages were prepared on behalf of the Woodworths totaling $386,927.[address redacted]ate Farm; well above the amount from State Farm.

The Insurer's payment letter and estimate evaluated the loss at an actual cash value of $80,116.22 after applying the deductible.

THE ESTIMATED COST OF REPAIRS TO THE INSUREDS PROPERTY CURRENTLY STANDS AT APPROXIMATELY $257,562.88.

On or about September 25, 2023, Property Claim Consultants produced an estimate assessing the damages at $248,326.51.

Indeed, invoices for smoke and fire remediation, textile and electronic cleaning, ALE, storage, appliances, as well as a list of personal property contents and an estimate for repair of all damages were prepared on behalf of Ms. [name redacted] totaling $230,240.[address redacted]ate Farm; well abov

In addition, the Insureds submitted their coverage A loss valuation via a rebuild estimate totaling $213,726.80.

This estimate totaled just $5,569.21, and was unsurprisingly below the deductible, resulting in State Farm issuing no payment for the loss. [name redacted] hired Stellar Public Adjusting Services (Stellar) to represent their interests in the claim.

Subsequently, [name redacted] partially denied the Trayers' claim, stating that the loss is less than the $16,140.00 deductible.

Three (3) tarp invoices and an estimate for repair of all damages were prepared on her behalf totaling $181,115.[address redacted]ate Farm.

Carrier can cure the defects outlined in this Civil Remedy Notice and avoid a lawsuit for bad faith by immediately accepting full coverage under the subject insurance policy for this claim and by paying Insured's estimate of $180,812.96, less applicable deductible, which is the reasonable amount of

THE ESTIMATED COST OF REPAIRS TO THE INSURED PROPERTY CURRENTLY STANDS AT APPROXIMATELY $ 179,551.22.

The estimate includes $4,511.26 in depreciation, and the policy has a $21,994.00 deductible.

SASI prepared a Xactimate estimate with an Actual Cash Value damage estimate in the amount of $166,388.62.

Tender payment to the Bhaghanis in the amount of $180,929.99, which is the amount to return the Bhaghanis' home back to pre-loss condition.

The Insureds retained Nationwide Public Adjusters LLC to assist them with the claims process, who inspected as to the damage to the property and provided an estimate of the damages in the amount of $150,329.59.

An estimate for repair of all damages with respect to Mr. [name redacted] 's claim was prepared on his behalf for $137,981.[address redacted]ate Farm.

Whereas, the carrier furnished a wrongful estimate and opinion, and, having withheld the deductible, offered a deficient payment in the amount of $19,589.81 only, leaving a remainder in the amount of $77,412.64 to be paid in order to cure the breach, less any applicable policy deductible.

THE INSUREDS RETAINED THEIR OWN PROFESSIONALS, WHO DOCUMENTED THE LOSS, PHOTOGRAPHED, AND PREPARED A DETAILED ESTIMATES, QUOTES, AND INVOICES THAT AMOUNT TO $119,796.39 TO RESTORE THE DAMAGE AND RETURN THE INSURED PROPERTY TO ITS PRELOSS CONDITION.

Additionally, on October 16, 2024, the insured submitted a Sworn Statement in Proof of Loss (SPOL) totaling $117,078.84, which was acknowledged by State Farm on October 21, 2024.

State Farm has failed to render a timely coverage determination in violation of its statutory obligations under Fla.

Subsequently, the insured prepared a loss package in the amount of $102,388.97needed to restore the property back to its pre-loss condition.

Despite demand of payment, STATE FARM has failed or refused to pay full value to protect and return property to pre-loss STATE FARM's refusal to adequately and otherwise make INSURED whole, constitutes a breach of contract.

This letter included an estimate and payment breakdown totaling $17,257.07.

Subsequently, the insureds prepared a loss package in the amount of $97,263.09 needed to restore the property back to its pre-loss condition.

The Insured obtained representation from a public adjuster and an estimate for repair of dwelling and other structures for $89,362.52, with supporting documentation and photographs.

Four tarp mitigation invoices as well as an estimate for repair of all damages were prepared on their behalf totaling $86,958.[address redacted]ate Farm.

The Insureds obtained representation from a public adjuster and an estimate for repair of dwelling for $86,214.85, deductible subtracted, with supporting documentation and photographs.

State Farm Florida Insurance Company ("Carrier") has not attempted in good faith to settle the insured's claim when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for their interests.

Specifically, State Farm only accepted coverage for the dwelling's roof, fence, and pavers and issued payment totaling $4,471.75 after applying the policy's deductible of $7,944 and recoverable depreciation of $5,736.06.

The Insureds subsequently contacted [name redacted] P.A., who conducted a thorough inspection of the property and compiled an estimate of damages. [name redacted] P.A., on behalf of the Insureds, forwarded said estimate which fully detailed the Insureds' damages and total $73,983.13.

The Insured and Insured's representative provided the Insurance Company with all claim-related documents including an estimate to repair covered damages in the amount of $73,797.85 and other supporting documentation and/or information.

After assessing the damage and the true scope of repairs, the public adjuster produced an estimate identifying $73,758.10 in covered damage to the dwelling.

Specifically, the Insured, with assistance from their public adjuster, submitted an estimate for $73,530.04, which was a fair and reasonable assessment for the repair/replacement of damages.

FIRM timely notified STATE FARM of the damage sustained to the property and contemporaneously provided an estimate of the damage in the amount of $72,700.35.

In this estimate, STATE FARM FLORIDA INSURANCE COMPANY unreasonably estimated $2,460.53 would be able to restore the property to its pre-loss condition.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $63,122.63, less any applicable deductible and prior payment to the Insured, to complete the repairs for the Insured property.

However, in its decision, State Farm incorrectly determined the roof sustained minimal damage, and as a result, opened coverage in the amount of $2,277.66 which is less than the Insured's deductible of $3,027.00.

State Farm Florida Insurance Company also routinely refuses to pay claims in full when it has the ability to do so, waits to see if its insureds contest their coverage determination, as was necessary here, and, only then, will it capriciously invoke appraisal.

State Farm Florida Insurance Company also routinely refuses to pay claims in full when it has the ability to do so, waits to see if its insureds contest their coverage determination, as was necessary here, and, only then, will it capriciously invoke appraisal.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $59,392.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $58,574.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $58,461.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

The carrier acknowledged the claim , but the insurer failed to make a claims determination within the prescribed statutory deadline.

Subsequently, the insured prepared a loss package in the amount of $57,915.60 needed to restore the property back to its pre-loss condition.

State Farm can avoid a lawsuit for bad faith by immediately accepting full coverage under the subject insurance policy for this claim and by paying Ms. [name redacted] based on her $57,407.83 estimate.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $57,275.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

After assessing the damage and the true scope of repairs, the public adjuster prepared an estimate identifying $56,370.15 in covered damage to the dwelling.

Tender payment to the Stewarts in the amount of $56,355.27, which is the amount to return the Stewarts' home back to pre-loss condition.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $55,886.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.

State Farm Florida Insurance Company also routinely refuses to pay claims in full when it has the ability to do so, waits to see if its insureds contest their coverage determination, as was necessary here, and, only then, will it capriciously invoke appraisal.

INSURER inspected the property and accepted coverage for the claim, however they estimated the loss to total just $662.68, which was under the INSUREDS' hurricane deductible of $4,748.00 so no payment was tendered.

Despite all the above and the Insured promptly filing this claim and mitigating all damages in compliance with the Policy, the Insurer unreasonably took roughly three weeks to inspect the Property, and subsequently denied the Claim asserting that the damage was the result of rot and long term seepag

After sending an adjuster out to inspect, State Farm in its coverage letter acknowledged that they found damage to the home but claimed that this damage is not covered under the policy, and applied inapplicable exclusions.

Specifically, the Insureds, with assistance from their public adjuster, submitted an estimate for $54,289.59, which was a fair and reasonable assessment for the repair/replacement of damages.

To remedy and/or cure this CRN, Insurer must immediately tender payment in the amount of $54,254.00 less any applicable deductible and prior payment to the Insured to complete the repairs for the Insured property.